What is covered by a basic auto insurance policy?
While
different states mandate different types of insurance and there are several
additional options (such as gap insurance) available, most basic auto policies
consist of: bodily injury liability, personal injury protection, property
damage liability, collision, comprehensive and uninsured/underinsured motorist.
Note
that each type of coverage is priced separately, so there is variability in
policy limits and pricing.
Bodily
injury liability coverage applies to injuries that you, the designated driver
or policyholder, cause to someone else. You and family members listed on the
policy are also covered when driving someone else’s car with their permission.
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